LET EVERY BILLBOARD REMIND YOU
They advertise the recovery.
Think about the person paying it.
That could be you.
You drive past these signs every day. But if the claim is against you, are you ready to protect what you’ve built?
Insurance and lawful planning matter before a claim arises. No strategy guarantees an outcome.
AI-generated illustration · Fictional firm and recovery figure · No actual case result depicted
Existing client? Send documents securely ↗EXISTING CLIENTS · SECURE DOCUMENT UPLOAD
Send the documents.
Keep them out of ordinary email.
Use Sierra Nevada Law’s secure portal to send photos or documents for your matter. Open it here, or scan the code with your phone.
Open secure document portal ↗For existing clients. Sending documents does not create an attorney-client relationship or request document review. Do not use an upload to protect a deadline. New inquiries should begin with the question path above.
SCAN WITH YOUR PHONE
START WITH THE CONVERSATION
You signed a trust.
Do you know what it protects?
Before you assume your home, rentals and savings are covered, watch this explanation from Sierra Nevada Law’s Wills & Trusts resource page.
Existing firm explainer · Is Your Trust Protected?
WHAT DOES “ASSET PROTECTION” MEAN?
It means putting sensible legal distance between a problem—and everything you own.
You cannot make risk disappear. You can decide, before trouble starts, whether one accident, business dispute or tenant claim should put every part of your financial life in the same line of fire.
LET EVERY BILLBOARD REMIND YOU
The recovery has another side.
What would be exposed on yours?
Those ads speak to the person making a claim. If the claim is against you, the other side of that recovery may be your insurance—and your assets.
Who are they collecting from?
If it’s you, are you ready?
What can be reached depends on liability, coverage, ownership and legal exemptions.
Protect what you built. Start with a question →Real Los Angeles freeway footage · Illustrative billboard messages · No real firm or case result depicted
One accident.
Years of consequences.
The injuries are serious. The claim grows. Then someone asks a question you never expected:
“What else do you own?”
“BUT I HAVE A MILLION-DOLLAR POLICY.”
Your policy has a limit.
The lawsuit may not.
A $1 million liability policy can provide substantial protection. But $1 million of coverage is not the same as protection from every dollar of a larger judgment. What happens if the covered judgment is $3 million—and the total available insurance pays $1 million?
The remaining $2 million does not automatically disappear. If you are liable, an amount above available coverage may put your nonexempt income and assets at risk. Policy terms, other coverage, ownership, exemptions and the facts all matter.
Are you ready for what insurance may not cover? Review the coverage. Examine the ownership. Plan before a claim.THE REVOCABLE TRUST MYTH
Your living trust may organize your estate. It generally does not shield your assets from your own creditors during your lifetime.
California Probate Code § 18200 provides that, to the extent a settlor can revoke a trust, the trust property remains subject to the settlor’s creditor claims. A revocable trust can still be a valuable part of a broader plan—it simply is not the whole protection system.
YOU CHOOSE THE DEPTH
From two practical fixes to the full family system.
Coordinate entity structure, insurance, contracts, title and estate documents around the risks that matter most.
CALIFORNIA ASSET PROTECTION QUESTIONS
The questions people ask before they build a plan
What assets should I think about protecting?
Common planning conversations involve a primary home, rental real estate, business interests, cash reserves, brokerage accounts and what children may inherit. The right approach depends on ownership, equity, insurance, family goals and existing claims.
Won’t my insurance cover a lawsuit?
Insurance is a critical first layer, but policies have limits, exclusions and conditions. If a covered judgment exceeds the available policy limit, the excess may expose a defendant’s nonexempt income or assets. Coverage and collection rights depend on the policy, claim, applicable exemptions and other facts.
Does an LLC protect my personal assets?
An entity may help separate business or rental activity from personal ownership, but formation alone is not a force field. Insurance, contracts, capitalization, records, operations and California-specific rules all matter.
Can I protect assets after I have been sued?
Timing matters. Transfers intended to hinder, delay or defraud a creditor may be challenged under California’s Uniform Voidable Transactions Act. Asset protection is forward-looking planning—not hiding property from an existing claimant.
Will a revocable living trust protect my house?
Generally not from your own lifetime creditors, because you keep the power to revoke the trust. It may still serve probate avoidance, incapacity and inheritance goals and can coordinate with other lawful planning layers.
Is asset protection only for wealthy people?
No. Someone with one rental, a growing company, professional exposure or a home with equity may have good reason to review how risks and ownership are organized. Complexity should match the actual need.
What is the best asset protection strategy?
There is no universal “best” structure. Useful planning may combine appropriate insurance, entity separation, contracts, ownership and trust design. The facts—and the timing—control.
A COMFORTABLE PLACE TO START
Have something on your mind?
Let’s talk about it.
Whether it’s your home, rentals, business or savings, you can start with a simple question. We’ll help you understand the legal planning options and what may make sense for your situation.
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